Credit card repayment, cash payment at bank counter, self-service terminal payment, and automatic repayment by binding peer debit cards can be exempted from handling fees. Pay cash at the bank counter. This is the most direct method, but the disadvantage is that you must go to the credit card bank before the repayment date.

Credit card repayment is free: the first way is to pay cash at the bank counter. This is the most direct method, but the disadvantage is that you must go to the credit card bank before the repayment date.

Second, go to the bank for credit card repayment and self-service terminal payment. If there are many people in the bank, you can pay by yourself at the credit card repayment self-service terminal without waiting.

Third, bind the debit cards of peers and repay them automatically. This method is better, just open a card in the bank and bind it. As long as there is enough money in the debit card, you don't have to worry about the time and amount of repayment, and the bank will draw it away by itself. There will be no handling fee for peers.

Fourth, online repayment. Credit cards can be repaid free of charge through Xiaoman Finance and China UnionPay Express.